Need Auto Insurance? We Have You Covered.
When many people think of car insurance, they think about protecting their car from damage. The truth is, auto insurance covers much more than just your car. It covers the people involved in a collision.
It’s important to understand your coverage options, not just for your car but also for you and the people who may be injured in an accident.
Do You Have Enough Coverage?
Having great coverage doesn’t mean having higher insurance premiums. It means having the right plan to protect you in case you’re ever found to be at fault for someone else’s bodily injuries and property damage. Without the right coverage, you could lose everything.
Because McGrath Insurance Group is 100% independent, we’re able to give you a non-bias review of your current coverage and make recommendations for new coverage, if it’s needed. These recommendations won’t always come at a higher price tag, but rather offer higher protection.
Worried about who will foot the bill to pay for this service? It won’t be you, that we can assure you. Insurance companies compensate us directly, so that we can work on your behalf to ensure you’re properly covered.
The Auto Insurance Coverage You Need
No two insurance contracts are the same. Although two policies side-by-side might look the same, the fine print behind the cover page can vary drastically from company to company.
We understand policy contracts and will work on your behalf to sort through the nuances, exclusions and conditions. That means you’re free from trying to wade through legal jargon to understand which coverage is best for you. We do the heavy lifting to ensure you have what you need out of the following types of auto insurance coverage.
Collision coverage protects your car in the event it’s damaged. The damage can occur from a fixed or moving object, including but not limited to another car, a curb, a house, a guard rail, and any other static object.
Comprehensive coverage protects your car from theft, natural disasters, and any other damage that doesn’t happen as a result of a collision.
If you accidentally damage another person’s property, other than a vehicle, the property damage portion of your auto insurance will cover the costs to make the repairs.
Bodily Injury Liability
Bodily injury liability covers the expense of another person’s medical bills and related expenses in the event of a collision. Low liability limits are dangerous. Medical expenses can add up quickly.
Un-insured & Under-insured Liability
If another party is responsible for the accident but does not carry enough coverage, you’ll want your insurance to support you while your claim reaches a resolution. Uninsured and underinsured liability serves that purpose.
Common Auto Insurance Rating Variables
Age — insurance companies use your age in their overall rating algorithms. Drivers who are under 25, and over 65 typically don’t get preferred rates because statistics show that those two age demographics have the most loss frequency and are therefore more at risk for financial loss due to an auto accident
Credit — credit is a metric that has been used in insurance scoring for many years. The better your credit, the more favorable your rates will usually be
Car — the type of car, engine size, safety features, etc.. are all part of determining the rate
Driving History — your driving record and loss history plays a substantial role in the price. If you have a spotty driving history, or multiple moving violations or accidents, chances are, you won’t get a preferred rate until those things are at least 3 years old
Household — insurance companies underwrite at the household level, meaning they try to judge based on the entire household, what the probability of loss will be. If there are multiple drivers in the house who are under the age of 25, that will impact everyone’s pricing in the household
How to get started with your car insurance quotes
If you live near Camdenton and are looking for a car insurance comparison, McGrath Insurance Group makes the process of finding the best company and price easy.
We do all the heavy lifting for you!
Call us to get started. Or, complete the fields below to give us basic information about your needs.